Cochran County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 30 mortgage applications in Cochran County, TX totaling $1.5 million, down 47% from 2009. The average application was for $51,000, and applicants reported an average income of $46,000. 37% of applications resulted in an originated loan and 33% were denied. The most active lender was City Bank, with 8 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 30 |
| Total Mortgage Loan Application Amount | $1,531,000 |
| Average Mortgage Loan Application Amount | $51,000 |
| Highest Mortgage Loan Application Amount | $135,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $175,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,042,946,000 | 8 | $ 383,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 4 | $ 258,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 3 | $ 77,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 3 | $ 175,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,404,212,000 | 3 | $ 86,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 44,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 189,857,000 | 1 | $ 12,000 |
| Security State Bank 501 PHELPS AVE; PO BOX 470 LITTLEFIELD, TX 79339 |
* | $ 110,557,000 | 1 | $ 11,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 376,470,000 | 1 | $ 95,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 135,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 102,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 39,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 14,000 |
The tables below break down 2010 mortgage applications in Cochran County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Cochran County, TX in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 18 | $1,094,000 | $60,000 | $135,000 | $51,000 | $175,000 |
| Refinancing | 8 | $394,000 | $49,000 | $93,000 | $44,000 | $63,000 |
| Home Improvement | 4 | $43,000 | $10,000 | $16,000 | $32,000 | $53,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 14 | $721,000 | $51,000 | $102,000 | $47,000 | $82,000 |
| Hispanic | 12 | $545,000 | $45,000 | $95,000 | $35,000 | $48,000 |
| Not Provided | 4 | $265,000 | $66,000 | $135,000 | $80,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 18 | $797,000 | $44,000 | $135,000 | $51,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 10 | $601,000 | $60,000 | $95,000 | $39,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $133,000 | $66,000 | $67,000 | $37,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 11 | $424,000 | $38,000 | $95,000 | $46,000 | $82,000 |
| Application Denied By Financial Institution | 10 | $442,000 | $44,000 | $102,000 | $32,000 | $50,000 |
| Application Withdrawn By Applicant | 3 | $232,000 | $77,000 | $93,000 | $61,000 | $71,000 |
| Loan Purchased By The Institution | 3 | $207,000 | $69,000 | $95,000 | $48,000 | $56,000 |
| Application Approved But Not Accepted | 2 | $91,000 | $45,000 | $54,000 | $30,000 | $35,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $175,000 | $175,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $108,000 | $54,000 | $102,000 | $38,000 | $50,000 |
| Debt-To-Income Ratio | 1 | $100,000 | $100,000 | $100,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $31,000 | $31,000 |
| Other | 1 | $67,000 | $67,000 | $67,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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